BlastPoint's Credit Union Scorecard
U B C SOUTHERN COUNCIL INDUSTRIA WO
Charter #22219 · LA
<100M
2508 CUs in <100M nationally
107 in LA
U B C SOUTHERN COUNCIL INDUSTRIA WO has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Net Interest Margin 4.17% above tier average
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Net Worth Ratio: Top 2.6% in tier
- + AMR Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -17.2% YoY
- - Member Growth Rate: Bottom 2.5% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Total Assets: Bottom 4.5% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Total Loans: Bottom 7.9% in tier
- - Total Members: Bottom 8.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
333
-17.2% YoY-4.0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 8.6% in tier |
| Assets |
$800,848
-5.0% YoY+2.2% QoQ
|
$-29.4M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.4% in tier |
| Loans |
$507,103
-12.2% YoY-5.9% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.9% in tier |
| Deposits |
$488,074
-3.1% YoY+2.8% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.9% in tier |
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| ROA |
1.1%
-40.0% YoY-17.9% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
8.2%
-0.3% YoY-7.9% QoQ
|
+4.2% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
85.5%
+10.5% YoY+1.1% QoQ
|
-5.2% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
59% |
| Delinquency Rate |
0.6%
+5.5% YoY+31.3% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
103.9%
-9.4% YoY-8.5% QoQ
|
+45.4% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 2.3% in tier |
| AMR |
$2,989
+11.1% YoY+2.3% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
14
Net Interest Margin (NIM)
profitability
Value:
8.18%
Peer Median: 3.83%
#14 of 2508
Top 0.5% in <100M tier
56
Loan-to-Share Ratio
balance_sheet
Value:
103.90%
Peer Median: 58.72%
#56 of 2508
Top 2.2% in <100M tier
65
Net Worth Ratio
risk
Value:
38.49%
Peer Median: 14.28%
#65 of 2508
Top 2.6% in <100M tier
196
AMR Growth Rate
growth
Value:
11.10%
Peer Median: 1.27%
#196 of 2508
Top 7.8% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (10 metrics)
2446
Member Growth Rate
growth
Value:
-17.16%
Peer Median: -1.37%
#2446 of 2508
Bottom 2.5% in <100M tier
2410
Total Deposits
balance_sheet
Value:
$488,074
Peer Median: $18.77M
#2410 of 2508
Bottom 3.9% in <100M tier
2397
Total Assets
balance_sheet
Value:
$800,848
Peer Median: $21.86M
#2397 of 2508
Bottom 4.5% in <100M tier
2396
Average Member Relationship (AMR)
engagement
Value:
$2,989
Peer Median: $13,926
#2396 of 2508
Bottom 4.5% in <100M tier
2310
Total Loans
balance_sheet
Value:
$507,103
Peer Median: $9.48M
#2310 of 2508
Bottom 7.9% in <100M tier
2292
Total Members
engagement
Value:
333
Peer Median: 1,918
#2292 of 2508
Bottom 8.7% in <100M tier
2278
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,523
Peer Median: $4,923
#2278 of 2508
Bottom 9.2% in <100M tier
2157
Asset Growth Rate
growth
Value:
-4.99%
Peer Median: 1.30%
#2157 of 2508
Bottom 14.0% in <100M tier
2080
Loan Growth Rate
growth
Value:
-12.21%
Peer Median: -2.36%
#2080 of 2508
Bottom 17.1% in <100M tier
2063
Fee Income Per Member
profitability
Value:
$8.04
Peer Median: $60.42
#2063 of 2508
Bottom 17.8% in <100M tier